2855 E Loy Rd, Piqua, OH 45356 Property Records

Miami County property record for 2855 E Loy Rd, Piqua, OH 45356

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1996
Lot Size	10 acres (435,731 sqft)
Owner	Individual Name on Record
Last Sale	$237,900 (Dec 2022)
Tax Bill	$3,448 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`J28-002430`

Property Details

APN / Parcel Number

Primary APN	`J28-002430`
Alternative APN	`011105.0-01-020-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	3,680 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	435,731 sqft (10 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	135 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2855 E LOY RD
City	PIQUA
State	OH
Zip	45356-8550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11-1-5 SE COR SE
Legal Range	11
Legal Township	01
Legal Section	05
Jurisdiction	MIAMI OH
Township / Civil Division	SPRINGCREEK
Census Block Group	1
Census Block	1040
Census Tract	300100

Owner

Source: Miami County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2855 E LOY RD, PIQUA, OH 45356-8550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Dec 22, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2022 · Amount on Record
Deed Sale	Dec 22, 2022 · Amount on Record
Prior Sale	Jul 19, 2007 · Amount on Record
Deed Document Number	202217981
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	May 11, 2026
Property Address	2855 E LOY RD, PIQUA, OH 45356-8550
Document Number	0000005650
Instrument Date	Apr 30, 2026
Instrument	20265650
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2855 E LOY RD, PIQUA, OH 45356-8550

Mortgage

Document Number	0000005650,
Date	May 11, 2026
Instrument	20265650

Lender

Name	UNION SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 30, 2036

Interest

Rate	6.46%
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 22, 2022
Property Address	2855 E LOY RD, PIQUA, OH 45356-8550
Document Number	0000017981
Instrument Date	Dec 19, 2022
Instrument	2022OR-17981
Transaction Type	Transfer
Record Updated	Jan 3, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2855 E LOY RD, PIQUA, OH 45356-8550

Mortgage

Document Number	0000017982
Date	Dec 22, 2022
Instrument	2022OR-17982

Lender

Name	UNITED SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	11.7%
Index	1-Year T-Bill
Max Rate	11.7%

Tax Assessment & Valuation

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Springcreek Township
Unified School District	Miami East Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,448.00 (+16.92%) Homeowner's exemption	$107,950 (+39.25%) Land $21,010 Building $86,940	$365,800 (+28.13%) Land $117,400 Building $248,400
2024	$2,949.00 (+13.47%) Homeowner's exemption	$77,520 (-) Land $15,180 Building $62,340
2023	$2,599.00 (+8.07%) Homeowner's exemption	$77,520 (-) Land $15,180 Building $62,340	$285,500 (-) Land $107,400 Building $178,100
2022	$2,405.00 Homeowner's exemption	$77,520 Land $15,180 Building $62,340	$285,500 Land $107,400 Building $178,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Skymesh Fixed Wireless	50 / 10
AT&T Fixed Wireless	25 / 3

May also be available: T-Mobile, Watch TV.

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